 The essential tips that I would give to any first-time property buyer would definitely be around looking after your credit profile. It's quite important that everyone knows exactly what their credit profile is. You can do this. I mean, the first step would obviously for you to get hold of one of the credit bureaus abroad in the country. Everyone is entitled to a free credit report. It's very important because it gives you an idea of how you look on the bureau. When you come back to apply to a bank for a mortgage, they will always look at your bureau profile and check how you have performed and how you have handled your financial affairs. It's quite important. It goes into what lenders would call a scorecard. So it's very important. We want people to have good behavior. Stay before you come to a financial institution and apply for a bond. The second one would be around property. It's quite important that you do your research. You need to research the location and the area where you're interested in buying your property. It's quite important that you find an area where property values have the potential to appreciate over time. Most people have the habit of looking for the best house that they like but forget the location. There is always this rule that you can always change your particular house but you can never change the location or improve the location. So it's quite important that you put as much effort on the location itself. There is also the issue of costs. Buying a property is a big investment. It's a big deal. It can't even be a daunting process especially when you start thinking of the costs involved. So always do your research, understand exactly the costs that are involved and banks would want to know that you've made an effort to understand these and you know how you're going to pay for this particular cost.